| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $5K | 7.01% |
| SFS INTERESTS INC3 | 1177 W LOOP SOUTH STE 450 HOUSTON, TX 77027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $786 | $0 | $786 | 1.03% |
| WEALTH DESIGN GROUP, LLC3 Filed as: WEALTH DESIGN GROUP LLC | 3040 POST OAK BLVD STE 400 HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | $0 | $12 | 0.02% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 8.87% |
| SFS INTERESTS INC3 | 1800 W LOOP SOUTH STE 1900 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $924 | $0 | $924 | 2.96% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.72% |
| SFS INTERESTS INC3 | 1800 W LOOP SOUTH STE 1900 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $538 | $0 | $538 | 1.91% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | NATIONAL VISION ADMINISTRATORS LLC | $446 | $0 | $446 | 5.00% |
| SFS INTERESTS INC3 | 1177 W LOOP SOUTH STE 450 HOUSTON, TX 77027 | NATIONAL VISION ADMINISTRATORS LLC | $446 | $0 | $446 | 5.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $76K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 112 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 106 | $28K |
| Long-term disability | STANDARD INSURANCE COMPANY | 106 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.